Professional Photographers of America Lowers Liability Insurance Rates

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Liability Insurance can be purchased as an add-on to coverage included in PPA membership

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If something bad happens and the photographer is held responsible, it could be financially crippling. This insurance is another way PPA protects photographers.

Professional Photographers of America (PPA) announced today that partner Lockton Affinity, LLC, has reduced liability insurance rates for PPA photographers from $289 a year down to $236.

“This new rate is a huge deal for PPA photographers,” said Kristen Hartman, PPA director of member value and experience. “It makes our liability insurance one of the most affordable out there for small businesses. We recommend all of our members get this extra coverage. In fact, many venues will require that photographers have it.”

PPA’s general liability policy is there for photographers in case a client or anyone is injured or if any property is damaged while on a shoot. In these instances—the photographer could be held responsible for damages and that means thousands of dollars in reparation or worse, legal battles. Some examples include if a client trips over a light and injures their arm, or the photographer backs up too far a knocks over a vase. That’s where the liability insurance comes in.

“If something bad happens and the photographer is held responsible, it could be financially crippling,” said Hartman. “This insurance is another way PPA protects photographers. Liability insurance is a great thing to have in your back pocket, as bad things do happen.”

Lockton Affinity, LLC is a wholly-owned subsidiary of Lockton Companies (the world’s largest privately held insurance brokerage firm) and is dedicated exclusively to the administration of insurance programs for associations, franchises, professional organizations and other affinity groups. Lockton Affinity designed for PPA a unique insurance program to meet the insurance needs of PPA photographers.

This liability insurance is in addition to PPA’s PhotoCare Equipment Insurance. It covers PPA photographers for up to $1 million per occurrence with a $2 million aggregate limit. For more information visit PPA.LocktonAffinity.com/BusinessLiability.htm.

About PPA:
Professional Photographers of America (PPA) is the largest international nonprofit association created by professional photographers, for professional photographers. Almost as long-lived as photography itself, PPA’s roots date back to 1869. The nonprofit assists more than 27,000 members through protection, education and resources for their continued success. See how PPA helps photographers be more at PPA.com.

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